Integrated scan money transfer technology

ABSTRACT

A smartwatch device that operates as an ad hoc card reader is provided. The smartwatch device may include hardware and software. The smartwatch device may scan multiple cards. The smartwatch device may capture card data elements from each card. The smartwatch device may receive a transaction amount for each card. The smartwatch device may communicate with a financial institution associated with each card. Each financial institution may transmit an approval request to a device associated with the card. Each device may receive a request to approve the transaction. Each device may approve the request, and the approval may be transmitted to the financial institution. Each financial institution may transmit an approval notification to the smartwatch. Upon receipt of an approval notification for each card, the smartwatch may transmit the captured card data elements and the transaction amount for each card and payee data to a processing entity for transaction processing.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of U.S. patent application Ser. No.17/325,392 filed on May 20, 2021, and entitled “INTEGRATED SCAN MONEYTRANSFER TECHNOLOGY” which is hereby incorporated by reference herein inits entirety.

FIELD OF TECHNOLOGY

Aspects of the disclosure relate to smartwatches. Specifically, thisdisclosure relates to smartwatch communications.

BACKGROUND OF THE DISCLOSURE

Smartwatches have become more common in recent years. For the purposesof the disclosure, smartwatches may be understood to mean wearablewatches that include one or more internal processors.

Smartwatches are compact devices and usually stay with the user.Therefore, smartwatches are easily accessible. Because of the ease ofaccess associated with smartwatches, it would be desirable for asmartwatch to communicate with one or more payment devices, such as apayment card. A payment card may be a debit card, a credit card, anautomated teller machine (“ATM”) card or any other suitable card.

It would be yet further desirable for the smartwatch to act as a liaisonbetween the payment card(s) and the financial institution.

It would be further desirable for such communication to obviate the needfor associated mobile devices, desktop computers, laptop computers, carddevices or any other devices.

It would be yet further desirable for the communications between thesmartwatch and the financial institution to include payment instructionsand/or payment data.

It would be yet further desirable for the smartwatch to operate as acard reader.

It would be yet further desirable for the communication between thesmartwatch and the one or more payment cards to enable a firstsmartwatch to gather funds from multiple accounts associated with thepayment cards, and to initiate a transfer of funds instruction.

It would be yet further desirable for the benefactor of the transfer offunds instruction to be the multiple accounts associated with thepayment cards.

It would be still further desirable for the beneficiary of the transferof funds instruction to be a third-party account.

SUMMARY OF THE DISCLOSURE

Apparatus and methods for smartwatch-based multi-card transactions areprovided. For the purposes of this application, smartwatches arewearable devices that are typically worn on a wrist. Smartwatches mayinclude one or more processors. Smartwatches may execute variousapplications.

Exemplary smartwatch components may include standard watch componentssuch as a strap, a casing and a face.

Exemplary smartwatch components specific to a smartwatch may include amicro control unit (“MCU”), a central processing unit (“CPU”), agraphical processing unit (“GPU”), one or more faces including one ormore screens, one or more sensors, a Bluetooth chipset, a hapticfeedback unit, a global positioning system (“GPS”) receiver, aloudspeaker, a microphone, a printed circuit board (“PCB”), a powermanagement unit, read only memory (“ROM”), random access memory (“RAM”),a touch screen controller, a waterproof seal, a universal serial bus(“USB”) controller, charging connectors, a radio receiver (Wi-Fi), adigital signal processor, a near-field communication (“NFC”) component,a micro-electro-mechanical system (“MEMS”) and a camera.

Exemplary MCUs may control sensors and processors included in thesmartwatch.

Exemplary CPUs may execute the main processing on the smartwatch. Manysmartwatch CPUs are licensed advanced reduced instruction set computing(RISC) machines (“arm”)® processors.

Exemplary GPUs may be processors that are used to reduce the workload onthe CPU when rendering and generating the graphics on the smartwatch.The GPU may be a specialized circuit designed to rapidly manipulate andalter memory to accelerate the creation of images.

Exemplary smartwatch faces range from 30-60 mm long by 30-60 mm wide.Exemplary smartwatch screens may include a depth of approximately 5 mmto 20 mm. Exemplary smartwatch screens may have capacitive touchscreens. Exemplary smartwatch screens can be made of various materials,such as traditional liquid crystal display (“LCD”), sharp memory LCD,in-plane switching (“IPS”) LCD with higher pixel density, electronic-ink(“E-ink”), organic light emitting diode (“OLED”), OLED with higher pixeldensity and interferometric modulator display technology (also referredto as mirasol® display technology).

The display may be laminated onto polished sapphire crystal or othersuitable substances. The sapphire crystal may be synthetic sapphirecrystal. The display may be laminated onto ion x glass. It should beappreciated that ion x glass may be more flexible than sapphire crystal.

Exemplary sensors may include three categories of sensors. A firstcategory may include motion sensors. Motion sensors may includeaccelerator, gyroscope, geomagnetic sensor, atmospheric pressure sensorand any other suitable motion sensors. A second category of sensors mayinclude biosensors. Biosensors may include any suitable biosensors. Athird category of the sensors may include environmental sensors.Environmental sensors may include humidity sensor, gas sensor, pHsensor, UV sensor, ambient light sensor, dust particles sensor, pressuresensor, microphone sensor, compass sensor and any other suitableenvironmental sensors. These sensors may collect data and then transferthe data to an internal watch processor, such as the CPU or the displayprocessor.

An exemplary smartwatch battery may include Lithium ion (“Li-ion”) orLithium polymer batteries. Lithium Polymer batteries have a higher powercapacity than Li-ion batteries and therefore may be a preferred choicefor smartwatches.

An exemplary Bluetooth® chipset may include Bluetooth® and Bluetooth LowEnergy® (“BLE”) chips. These Bluetooth® chips may be board levelcomponents that broadcast in the 2.4 GHz radio band. Bluetooth®technology may facilitate short-range cable protocols and networking.There may be several types of Bluetooth® chips. The Bluetooth® chips mayinclude Bluetooth® baseband controllers, Bluetooth® radio frequencytransceivers, single chip solutions, Bluetooth® modules and Bluetooth®cores. Bluetooth® baseband controllers may combine a protocol stack, alink controller, a link manager and host interface firmware of theBluetooth® specification in a single integrated circuit. Bluetooth®radio frequency transceivers are transmitters/receivers that operate inthe 2.4 GHz range and comply with Bluetooth® Special Interest Group(“SIG”) requirements. Single chip solutions are Bluetooth®-compliantintegrated circuits that incorporate both baseband controllers and radiofrequency (“RF”) transceivers. Bluetooth® modules are self-containedcomponents. Bluetooth® cores are intellectual property cores that can beloaded into field-programmable gate arrays or application specificintegrated circuits.

An exemplary haptic feedback unit may provide tactile sensors to a user.Examples of haptic feedback may include vibrotactile, electrotactile,ultrasound and thermal feedback.

An exemplary GPS receiver may be capable of receiving information fromGPS satellites. As such, GPS receivers may be able to determine theposition of the smartwatch based on the information received from theGPS satellites.

An exemplary loudspeaker is an electroacoustic transducer. A loudspeakeris a device that converts an electrical audio signal into acorresponding sound. The loudspeaker may provide audio capabilities tothe smartwatch. The loudspeaker may enable a user to conduct a telephoneconversation via the smartwatch.

An exemplary microphone is a transducer that converts sound into anelectrical signal. The electrical signal can be amplified, transmittedor recorded. The microphone may be used to accept voice input from auser of the smartwatch. The microphone may enable a user to conduct atelephone conversation via the smartwatch.

An exemplary printed circuit board (“PCB”) mechanically supports andelectrically connects electrical or electronic components usingconductive tracks, pads and other features. The conductive tracks, padsand other features may be etched from one or more sheet layers ofcopper. The sheet layers of copper may be laminated onto anon-conductive substate. The sheet layers of copper may be laminatedbetween sheet layers of a non-conductive substrate.

An exemplary power management unit may be a microcontroller that governspower functions of the smartwatch. As such, the power management unitmay control the battery function.

Exemplary read-only memory (“ROM”) may be a type of non-volatile memorythat can be read at high speed but is not capable of being changed byprogram instructions.

Exemplary random-access memory (“RAM”) may include memory that can bewritten to, and read from, in any order.

An exemplary touch screen controller is a controller that detectspositional contact pressure on a visual display surface. One or morefingers may be used as pointing devices. The touch screen controllersmay interface between the CPU or MCU and the touchscreen element, suchas the display.

An exemplary waterproof seal may surround the electrical componentsinside the smartwatch. The waterproof seal may provide waterproofqualities to the smartwatch.

An exemplary universal serial bus (“USB”) controller is a controllerthat controls the input of a USB device and/or cable. In some instances,when a USB cable is used to charge the smartwatch, the connectionbetween the USB controller and the USB cable may be a magneticconnection. The magnetic connection may appear to lack the typical USBport. This magnetic connection may avoid the space required when using atypical standard USB port, mini-USB port or micro-USB port. Thismagnetic connection may also enable the waterproof compartment insidethe smartwatch to maintain its waterproof capabilities.

Exemplary charging connectors may include the USB controller describedabove. Exemplary charging connectors may include any other suitablecharging connectors.

An exemplary radio receiver may be a receiver capable of receiving radiowaves. These radio waves may provide Wi-Fi and internet capabilities tothe smartwatch.

An exemplary digital signal processor is a microprocessor chip witharchitecture augmented for the operational needs of digital signalprocessing.

An exemplary NFC component may provide NFC capabilities to thesmartwatch. As such, the NFC component may enable the smartwatch tocommunicate with other smartwatches using NFC.

An exemplary MEMS may be a system that includes technology ofmicroscopic devices. The system may include moving parts. In addition tomicro-electro-mechanical components, system parts may also be rated onthe nanoscale. As such, the system may include nano-electro-mechanicalparts and nano-electro-mechanical technology. Because a relatively largeamount of computation is performed within a relatively small region,various smartwatch components and processors may be made of, and/orinclude, MEMS components.

An exemplary smartwatch camera may capture photographs and/or videos.

One or more software modules may execute on the aforementionedprocessors. The one or more software modules may be stored in one ormore memory locations located within the aforementioned memory includedin the smartwatch. The one or more software modules may, in thealternative, be referred to as applications. The applications may enablethe smartwatch to execute various tasks.

Methods and systems for smartwatch-based, multi-card transactions areprovided. The transactions may be payment-card-based transactions.

A smartwatch may scan one or more cards. The cards may be payment cards.The payment cards may include debit cards, credit cards, ATM cards orother suitable cards. The payment cards may or may not includeelectronic chips, such as an EMV chip (named after the companiesEuropay®, Mastercard® and Visa®).

Scanning one or more cards may initiate a transaction. A smartwatchcamera or group of cameras may operate as a scanner. Any other suitablescanning component may also operate as a scanner. Examples of otherscanning components may include a magnetic card reader and an electronicEMV chip reader. The scanning component may generate a card scan. Thecard scan may include a photograph of the card. The card scan mayinclude a photograph of the face of the card. The card scan may includea photograph of the underside of the card.

The smartwatch microprocessor may execute a software application thatidentifies and retrieves card data elements from each card scan. Such anapplication may be referred to as a card data identification component.

In some embodiments, the scanning component and the card dataidentification component may execute concurrently. As such, the scanningcomponent may scan the card data elements without maintaining a cardscan.

The card data identification component may retrieve a plurality of carddata elements for each of the scanned cards. Card data elements mayinclude a card number, a card holder name, an expiration date, a cardverification value (“CVV”) code and any other suitable card dataelements.

The card data elements may also include identification of an entity. Theentity may be an external entity, such as a financial institution,associated with the card. The financial institution may also be referredto as the card issuer.

The card data elements may also include identification of a device. Thedevice may be an external device associated with the card. Examples of adevice may include a mobile device, a smartwatch device, a smartglassesdevice, any other suitable digital wearable device, a computer or anyother suitable device. The card holder may have pre-selected and/orpre-registered the device in order to receive notifications from theentity.

For each scanned card, the smartwatch may communicate the card dataelements to the entity associated with the scanned card. In an example,a smartwatch scanned cards A, B and C. Card A may include set of carddata elements A. Set of card data elements A may identify externalentity X. Card B may include set of card data elements B. Set of carddata elements B may identify external entity Y. Card C may include setof card data elements C. Set of card data elements C may identifyexternal entity Z. As such, the smartwatch may communicate card dataelements A to external entity X. The smartwatch may also communicatecard data elements B to external entity Y. The smartwatch may alsocommunicate card data elements C to external entity Z.

In response to communicating the set of card data elements, each of theexternal entities may identify an account number that corresponds to theset of card data elements. Each external entity may transmit theidentified account number to the smartwatch.

The smartwatch may receive the identified account number for each set ofcard data elements. The smartwatch may link the received account numberto the corresponding set of card data elements.

The smartwatch may receive a transaction amount for each of theplurality of cards. The transaction amount may be received as user inputon the smartwatch. The user input may be received at a touch screen onthe smartwatch. The user input may also include any suitable combinationof, or pattern of, tapping, squeezing, swiping and any other suitabletouch-based input. The user input may include selecting buttons on atouch screen of the smartwatch.

The transaction amount may or may not be equivalent for each set of carddata elements. As such, if the transaction amount is equivalent for eachset of card data elements, the transaction amount may be inputted onceinto the smartwatch. If the transaction amount is different for each setof card data elements, a transaction amount may be inputted by the userfor each set of card data elements.

The smartwatch may link the received transaction amount directly to theaccount number. As such, the transaction amount may be linked to thecorresponding account number which may be linked to the correspondingset of card data elements.

The smartwatch may aggregate the transaction amounts linked to theaccount numbers into an aggregated transaction payload. It should beappreciated that the set of card data elements may or may not beincluded in the aggregated transaction payload.

The smartwatch may transmit the aggregated transaction payload to aprocessing entity. The processing entity may transmit an approvalrequest to each device identified within each set of card data elements.In some embodiments, the processing entity may transmit the approvalrequest to each device via the financial institution identified withineach set of card data elements. The approval request may include thetransaction amount. The approval request may include identifying datarelating to the smartwatch. Such identifying data may include a nameassociated with the smartwatch, an alias name associated with thesmartwatch, geographical information relating to the smartwatch and anyother suitable data.

The approval request may also include identifying information relatingto the smartwatch that initiated the transaction. The approval requestmay also include identifying information relating to the transactionitself. Examples of identifying information may include a name, and/oralias name, associated with the smartwatch. Examples of identifyinginformation may also include geolocation data associated with thesmartwatch. Examples of identifying information may also include aninternet protocol (“IP”) address associated with the smartwatch.

The approval request may also include identification data relating to apayee of the transaction. For example, the approval request may includea payee name, payee alias name, payee account number, payee financialinstitution, payee telephone number, payee e-mail address and any othersuitable payee information. The payee identification data may bereceived at a user interface of the smartwatch. Such a user interfacemay be a touch screen. The payee identification data may be retrievedfrom a location internal to the smartwatch. Such a location may be amemory location. The payee identification data may be received from alocation external to the smartwatch. Such a location may be a merchantpoint-of-sale device.

In some embodiments, the smartwatch's user may be associated with thepayee account. As such, the payee identification data may be an accountassociated with the smartwatch device. In such embodiments, the payeeidentification data may be retrieved from a storage location internal tothe smartwatch device.

The processing entity may receive an approval from each device thatreceived an approval request. Upon receipt of the approval from eachdevice, the processing entity may process the aggregated transactionpayload.

Upon processing the aggregated transaction payload, the processingentity may transmit a notification to each device that received anapproval request. The processing entity may also transmit a notificationto the smartwatch. The notification may include details relating to theprocessed transaction.

In some embodiments, the transaction amount may be received at thesmartwatch prior to the smartwatch communicating with the externalentities. As such, in addition to communicating the set of card dataelements to the external entities, the smartwatch may also communicate atransaction amount to the external entities.

In such embodiments, the approval request transmitted from each externalentity to the device identified within the card data elements mayinclude the transaction amount. Therefore, the approval received at eachdevice may include approving the transaction amount.

In response to receiving an approval from the device, each externalentity may transmit the approval to the smartwatch. In some embodiments,the account number may be transmitted separately from the approval. Inother embodiments, the account number may be transmitted together withthe approval. In yet other embodiments, the account number may betransmitted without the approval. In still other embodiments, theapproval may be transmitted without the account number.

In embodiments where the approval is transmitted without the accountnumber, in order for the processing entity to process the transaction,the aggregated transaction payload may include at least a portion of thecard data elements linked to the transaction amount.

BRIEF DESCRIPTION OF THE DRAWINGS

The objects and advantages of the invention will be apparent uponconsideration of the following detailed description, taken inconjunction with the accompanying drawings, in which like referencecharacters refer to like parts throughout, and in which:

FIG. 1 shows an illustrative diagram in accordance with principles ofthe disclosure;

FIG. 2 shows another illustrative diagram in accordance with principlesof the disclosure;

FIG. 3 shows yet another illustrative diagram in accordance withprinciples of the disclosure;

FIG. 4 shows an illustrative flow diagram in accordance with principlesof the disclosure;

FIG. 5 shows another illustrative flow diagram in accordance withprinciples of the disclosure; and

FIG. 6 shows yet another illustrative flow diagram in accordance withprinciples of the disclosure.

DETAILED DESCRIPTION OF THE DISCLOSURE

Apparatus and methods for smartwatch devices that operate multi-cardtransactions are provided.

A smartwatch may include a plurality of hardware components and softwarecomponents, such as those described in detail in the summary of thedisclosure. The hardware components may include a watch face and a band.The watch face may rest on a user's wrist. The band may wrap around theuser's wrist and secure the watch face relative to the user's wrist.

The hardware components may also include one or more microprocessors. Atleast one of the microprocessors may be operable to initiate atransaction.

The hardware components may also include one or more displays. Themicroprocessor may instruct the display regarding the software displays.At least one of the displays may display software displays. At least oneof the displays may be a nano light emitting diode (“LED”) touch screen.

The nano touch screen may be a nano organic light emitting diode(“OLED”) touch screen. The nano OLED touch screen may be constructedusing OLED technology.

OLED technology may enhance functionality of a smartglasses display.OLEDs are typically solid-state semiconductors constructed from a thinfilm of organic material. OLEDs emit light when electricity is appliedacross the thin film of organic material. Because OLEDs are constructedusing organic materials, OLEDs may be safely disposed without excessiveharm to the environment.

Furthermore, OLEDs may be used to construct a display that consumes lesspower compared to other display technologies. For example, in a liquidcrystal display, power must be supplied to the entire backlight, even toilluminate one pixel in the display. In contrast, an OLED display doesnot necessarily include a backlight. Furthermore, in an OLED display,preferably, only the illuminated pixel draws power.

The power efficiency of OLED technology presents a possibility fordesigning nodes that consume less power for their basic functionalityand allow any residual power to provide enhanced security andfunctionality. Illustrative devices that may be constructed using OLEDtechnology are disclosed in commonly assigned U.S. Pat. No. 9,665,818,which is hereby incorporated by reference herein in its entirety.

In some embodiments, the nano touch screen may be constructed, usingliquid metal printing, from atomically-thin indium-tin oxide (“ITO”).During construction, an indium-tin alloy is heated to 200 degreesCelsius. At 200 degrees Celsius, the indium-tin alloy becomes a liquid.The liquid is then rolled over a surface to print nano-thin sheets ofITO. These nano sheets are two-dimensional and have the same chemicalmake-up as standard ITO. However, these nano sheets have a differentcrystal structure than standard ITO. The new crystal structure gives thenano sheets new mechanical and optical properties.

One new property may include the full flexibility of the ITO sheets.These ITO sheets also absorb approximately 0.7% of light, which is lowerthan standard conductive glass that absorbs 5-10% of light. These ITOsheets may also be transparent. As such, these nano ITO sheets providefully flexible, conductive and transparent material. Therefore, suchatomically-thin ITO sheets may be used to produce nano touch screens forinclusion in smartwatches.

The nano LED touch screen may receive user input. The user input may betouch-based user input, such as touch gestures. Touch gestures mayinclude swiping, tapping, squeezing and any other suitable touchgestures. Touch gestures may also include a pattern of any of theabove-mentioned gestures.

The hardware components may also include a scanner. The scanner mayinclude a camera. The scanner may include a magnetic scanning device.The scanner may include any other suitable data-capturing hardware orsoftware. The scanner may capture a plurality of card photographs. Theplurality of card photographs may relate to a plurality of paymentcards.

The hardware components may also include a nano wireless networkinterface card (“NIC”). The nano wireless NIC may establishcommunication with a wireless network.

The hardware components may also include a battery. The battery maypower the display, such as the nano LED touch screen, themicroprocessor, the scanner and the nano wireless NIC.

The smartwatch may also include a plurality of software components.

The plurality of software components may include a card dataidentification module. The card data identification module may identifya set of card data elements from each captured card photograph. Each setof card data elements may relate to a card included the plurality ofcards.

The plurality of software components may include an informationcontroller module. The information controller module may capture atransaction amount for each of the plurality of payment cards. Theinformation controller module may communicate with the nano LED touchscreen to capture the transaction amounts. In some embodiments, a touchscreen module may interface between the nano LED touch screen and theinformation controller module.

The plurality of software components may also include a card dataaggregation and validation module. The card data aggregation andvalidation module may link the captured transaction amount to the set ofcard data elements for each card.

The card data aggregation and validation module may also transmit theset of card data elements to an external card entity associated with thecard. The external card entity may be identified within each set of carddata elements.

The card data aggregation and validation module may also receive anapproval signal from each external card entity. The approval signal maybe an indication of approval of the transaction. Upon receipt of theapproval signal from each external card entity, the card aggregation andvalidation module may aggregate each set of card data elements linked tothe transaction amount into an aggregated transaction payload.

In some embodiments, prior to receiving the approval signal, theexternal card entity may request and receive approval from a deviceidentified within the card data elements. The device may be a secondsmartwatch, a mobile device, a smartglasses or any other suitabledevice.

The plurality of software components may also include a payee dataidentification module. The payee data identification module may identifya plurality of payee data elements. The payee data identification modulemay be instantiated prior to, or upon conclusion of, the card dataaggregation and validation module.

The plurality of software components may also include a wirelesscontroller module. The wireless controller module may interface betweenthe nano wireless network interface card and an external Wi-Fi device.The wireless controller module may provide wireless connectivity to thesmartwatch device.

The plurality of software components may include a payment interface.The payment interface may receive wireless connectivity via the wirelesscontroller module. The payment interface may receive processingcapabilities from the microprocessor. The payment interface may receivethe aggregated transaction payload. The payment interface may receivethe payee data elements. The payment interface may append the payee dataelements to the aggregated transaction payload. The payment interfacemay transmit the aggregated transaction payload to an external entity.The payment interface may receive a confirmation from the externalentity.

In some embodiments, the payment interface may receive one or more payeedata elements. In such embodiments, the payment interface may transmitthe received aggregated transaction payload and the one or more payeedata elements to the external entity. The external entity may be aprocessing entity.

Apparatus and methods described herein are illustrative. Apparatus andmethods in accordance with this disclosure will now be described inconnection with the figures, which form a part hereof. The figures showillustrative features of apparatus and method steps in accordance withthe principles of this disclosure. It is to be understood that otherembodiments may be utilized and that structural, functional andprocedural modifications may be made without departing from the scopeand spirit of the present disclosure.

The steps of methods may be performed in an order other than the ordershown or described herein. Embodiments may omit steps shown or describedin connection with illustrative methods. Embodiments may include stepsthat are neither shown nor described in connection with illustrativemethods.

Illustrative method steps may be combined. For example, an illustrativemethod may include steps shown in connection with another illustrativemethod.

Apparatus may omit features shown or described in connection withillustrative apparatus. Embodiments may include features that areneither shown nor described in connection with the illustrativeapparatus. Features of illustrative apparatus may be combined. Forexample, an illustrative embodiment may include features shown inconnection with another illustrative embodiment.

FIG. 1 shows an illustrative diagram. Smartwatch 102 may be worn on hand104. Hand 106 may be able to tap, touch and/or otherwise interact withsmartwatch 102.

Smartwatch 102 may include multiple components, such as those describedin the summary of the disclosure. These components may enable smartwatchto execute various functionalities. Such functionalities may includedisplaying data, photographing objects, playing audio files, playingaudio visual files, capturing card data and any other suitablefunctionality.

Smartwatch 102 may photograph, or otherwise capture card data from oneor more cards, such as payment cards. Smartwatch 102 may have captured aphotograph of cards A, B and C. Thumbnails of the photographed cards mayappear on the display of smartwatch 102, as shown at 108, 110 and 112.Card A may be displayed as a thumbnail, as shown at 108. Card B may bedisplayed as a thumbnail, as shown at 110. Card C may be displayed as athumbnail, as shown at 112.

At times, the cards may be photographed in sequence—i.e., one photographof card A, a second photograph of card B and a third photograph of cardC. An application may combine the photographs and display all of thephotographs on a single display. Other times, the cards may bephotographed together—i.e., a single photograph may capture card A, cardB and card C. It should be appreciated that, at times, both the frontand the back of the card may be photographed. At other times, either thefront or the back of the card may be photographed.

In certain embodiments, smartwatch 102 may not capture and storephotographs of the cards. Rather, the card data may be scanned off ofthe cards using a camera, magnetic reader, EMV chip reader or othersuitable technology. As such, instead of photographs being displayed onsmartwatch 102, data thumbnails may be displayed on smartwatch 102. Thedata thumbnails may include card data, such as a card holder name, acard number or a portion thereof, a card expiration date, a card issuername, a CVV and/or any other suitable data.

FIG. 2 shows another illustrative diagram. The illustrative diagramshows smartwatch 202 worn on hand 204. Hand 206 may interact withsmartwatch 202. Smartwatch 202 may include a display. The display maydisplay card thumbnails 208 and 210. Card thumbnails 208 and 210 mayshow a thumbnail of a captured card.

Card data and transaction amounts may be shown adjacent to thumbnails208 and/or 210. As such, the first name of the card holder, identifiedby thumbnail 208, may be John, as shown beneath thumbnail 208. Also, thetransaction amount to be charged to the card identified by thumbnail 208may be $100.00, as shown beneath thumbnail 208.

The first name of the card holder, identified by thumbnail 210, may beLucy, as shown beneath thumbnail 210. Also, the transaction amount to becharged to the card identified by thumbnail 210 may be $100.00, as shownbeneath thumbnail 210.

It should be appreciated that the transaction amount may be entered by auser, using an entry field on a touch screen of 202. The transactionamount may be entered using any other suitable entry method, such as,for example, text-to-voice entry.

Once a user completed capturing all of the card data for a specifictransaction and a transaction amount for each captured card, the usermay select submit button 212. Selection of submit button 212 may triggerthe transmission of the card data and the transaction amount to afinancial institution. It should be appreciated that each set of carddata and transaction amount may be transmitted to the financialinstitution associated with the card. Such a financial institution mayalso be referred to as a card issuer.

FIG. 3 shows another illustrative diagram. The illustrative diagramshows smartwatch 302 worn on hand 304. Hand 306 may interact withsmartwatch 302. Smartwatch 302 may include a display.

It should be appreciated that smartwatch 302 may not be the smartwatchthat initiated a transaction. Rather, smartwatch 302 may be associatedwith a card that was captured for a transaction on another smartwatch.Once the user of the initiating smartwatch selects the submit button,and the transaction data is transmitted to one or more financialinstitutions. The financial institutions that receive the transactiondata may then request approval from a device associated with the cardholder. Such a device may be a smartwatch. Such a device may besmartwatch 302, as shown in FIG. 3.

Smartwatch 302 may display data relating to the transaction. As shown at308, smartwatch 302 may display “Hi John, Josh wants you to pay $50.00to US Relief Fund. Do you confirm?”

The wearer of smartwatch 302 may select yes, shown at 310. Selecting yesmay confirm the transaction. The yes selection may be transmitted backto the financial institution. The yes selection may trigger thefinancial institution to approve the transaction. Once the financialinstitution approves the transaction, the financial institution maynotify both the transaction-initiating smartwatch and the deviceassociated with the card holder, such as smartwatch 302, that thetransaction was approved and processed.

The wearer of smartwatch 302 may select no, shown at 312. Selecting nomay deny the transaction. The no selection may be transmitted back tothe financial institution. The no selection may trigger the financialinstitution to deny the transaction. Once the financial institutiondenies the transaction, the financial institution may notify both thetransaction-initiating smartwatch and the device associated with thecard holder, such as smartwatch 302, that the transaction was denied.

FIG. 4 shows an illustrative diagram. Smartwatch 402 may include variouscomponents. Smartwatch 402 may include network controller 404. Networkcontroller 404 may communicate with Wi-Fi Network 430. Networkcontroller 404 may provide wireless connectivity to smartwatch 402.Network controller 404 may interface between Wi-Fi network 430 andscanner/camera component 406.

Scanner/camera component 406 may capture scans of card A, shown at 424,card B, shown at 426 and card C, shown at 428. Smartwatch 402 mayinclude multiple card data identification component 408. Multiple carddata identification component 408 may retrieve card data from themultiple scanned cards.

Smartwatch 402 may also include payee identification component 410.Payee identification component 410 may identify a payee of thetransaction. The payee identification data may be received from anexternal source. Such an external source may be data entered into thesmartwatch. Such an external source may be a quick response (“QR”) codecaptured at smartwatch 402. The QR code may include payee account data.The payee may be merchant 422.

The payee identification data may be retrieved from an internal source.The internal source may be a memory location included in smartwatch 402.In some embodiments, the payee account data may be associated withsmartwatch 402. As such, the payee of the transaction may be the wearerof smartwatch 402.

Once the payee account data is received, multi-part payment aggregationand initiation component 412 may aggregate the card data, associatedwith cards A, B and C and the payee data into an aggregated transactionpayload. Card payment interface 414 may transmit the aggregatedtransaction payload to payment gateway 416. Payment gateway 416 may beexternal to smartwatch 402.

Payment gateway 416 may transmit the transaction to payment processor418 for transaction confirmation. Payment processor 418 may settle thepayment with financial institution 420. Financial institution 420 mayapprove or deny the transaction. It should be appreciated that, in someembodiments, payment processor 418 may communicate with multiplefinancial institutions. Each of the multiple financial institutions maybe a card issuer.

Once payment processor 418 settles the payment with financialinstitution 420, payment processor 418 may transmit a response topayment gateway 416. The response may include an approval or denial ofthe transaction. Payment gateway 416 may transmit the response, eitherapproval or denial, to card payment interface 414.

In the event that merchant 422 is the payee of the transaction,financial institution 420 may remit funds to merchant 422.

FIG. 5 shows an illustrative diagram. Smartwatch 502 may includemultiple hardware and software components. Smartwatch 502 hardwarecomponents may include payment interface 502, nano wireless networkinterface card 510, microprocessor 512, nano LED touch screen 520 andbattery 524.

Smartwatch 502 software components may include information controller504, wireless controller module 508, scanner component 514, financialinstitution communication 516, payment confirmation and multiple paymentrequest 518 and touch screen module 522.

Battery 524 may power the various hardware and software components ofsmartwatch 502. Microprocessor 512 may provide processing power to thevarious hardware and software components of smartwatch 502.

Scanner component 514 may scan one or more cards. Scanner component 514may include, or interface with, one or more cameras or scanning devices.Once the cards are scanned and the card data is retrieved from thecards, financial institution communication 516 may communicate with oneor more financial institutions associated with the scanned cards. Thecommunication with the financial institutions may be to retrieve accountdata associated with each of the cards.

Payment confirmation and multiple payment request 518 may combine theaccount data received from the financial institutions, transactionamounts received via user input and payee data received via an internalsource or an external source into an aggregated transaction payload.Payment confirmation and multiple payment request 518 may receive theuser inputted data, such as the transaction amounts, from paymentinterface 506, via information controller module 504, touch screenmodule 522 and nano LED touch screen 502.

Nano LED touch screen 520 may receive touch-based user input. Touchscreen module 522 may be software that interfaces with nano LED touchscreen to determine user inputs. Information controller module 504 maycategorize the user inputs as transaction amounts, payee data or anyother suitable user inputs. Information controller module 504 maytransmit the categorized data to payment interface 506.

At times, payment interface 506 may transmit the user input datareceived from information controller module to payment confirmation andmultiple payment request 518. As such, payment confirmation and multiplepayment request 518 may update the aggregated transaction payload withthe received user input. Once the aggregated transaction is uploaded,payment confirmation and multiple payment request 518 may transmit theaggregated transaction payload to payment interface 506.

Other times, payment interface may combine the aggregated transactionpayload received from payment confirmation and multiple request 518 withthe data received from information controller module 504.

Payment interface 506 may communicate with wireless controller module.Wireless controller module may interface between nano wireless networkinterface card 510 and external Wi-Fi device 528 to provide wirelessconnectivity to smartwatch 502. Wireless controller module 508 maycommunicate the aggregated transaction payload from payment interface506 to microprocessor 512. Microprocessor 512 may transmit theaggregated transaction payload to the sender's financial institution 526for processing. Sender's financial institution may be a card issuer of acaptured card.

FIG. 6 shows an illustrative flow diagram. A smartwatch may capture aplurality of cards in order to process a transaction. The plurality ofcards may be used together to purchase an item, service or for any othersuitable purpose. At times, each of the plurality of cards maycontribute an equal share of funds for the purchase. At other times,each of the plurality of cards may contribute a non-equal share offunds.

Smartwatch A, shown at 602, may capture card data from card A, shown at616, card B, shown at 610 and card C, shown at 604, as indicated at step1. Smartwatch A may utilize a scanning component to capture card datafrom card A, B and C. Cards A, B and C may be payment cards. Thescanning component may be a camera, magnetic scanning device or anyother suitable scanning component.

Once smartwatch A captures card data from a card, smartwatch A mayidentify a financial institution associated with the card. At times, thefinancial institution may be included in the card data. Other times, thefinancial institution may be indicated in the card data. For example,the first six digits of a card number may be an issuer identificationnumber (“IIN”). The IIN may identify a financial institution that issuedthe card. Smartwatch A may be able to communicate with a public listingon a network, such as the Internet, to determine a process for accessingthe issuer identified by the IIN.

The first digit of the IIN may be a major industry identifier (“MII”).The MII may indicate the industry associated with the issuer.

Smartwatch A may identify financial institution 3, shown at 620, asassociated with card A. Smartwatch A may identify financial institution2, as associated with card B. Smartwatch A may also identify financialinstitution 1, as associated with card C.

Once smartwatch A identifies a financial institution associated withcard A, card B and card C, smartwatch A may communicate with eachidentified financial institution. The initial communication betweensmartwatch A and financial institution 1, shown at 608, financialinstitution 2, shown at 614 and financial institution 3, shown at 620may be to confirm transaction details, as indicated at step 2.

In order to confirm the transaction details, each financial institutionmay communicate with, and request approval from, a device associatedwith the captured card, as shown at step 3. It should be appreciatedthat the captured card data may include a device identifier. As such,financial institution 1, shown at 608, may communicate with, and requestapproval from, smartwatch 606. Smartwatch 606 may be associated withcard C. Financial institution 2, shown at 614 may communicate with, andrequest approval from, smartglasses 612. Smartglasses 606 may beassociated with card B. Financial institution 3 may communicate with,and request approval from, mobile device 618. Mobile device 618 may beassociated with card A.

In certain embodiments, prior to communicating with the associateddevice, each financial institution may execute an account verification.As such, if the account verification fails, the financial institutionmay communicate the failure to smartwatch A. In such embodiments, thefinancial institution may not communicate with the device associatedwith the card.

A user of mobile device 618 may approve the transaction details atmobile device 618. A user of smartglasses 612 may approve thetransaction details at smartglasses 612. A user of smartwatch 606 mayapprove the transaction details at smartwatch 606. The approval may besubmitted by selecting an approval button or any other suitable approvalentry process.

Upon receipt of an approval at mobile device 618, an approvalnotification may be transmitted to financial institution 3, as shown atstep 4. Upon receipt of an approval at smartglasses 612, an approvalnotification may be transmitted to financial institution 2, as shown atstep 4. Upon receipt of an approval at smartwatch 606, an approvalnotification may be transmitted to financial institution 1.

Financial institutions 1, 2 and 3 may forward the received approvalnotifications to smartwatch A, as shown at step 5.

Once smartwatch A receives the approval notifications from financialinstitutions A, B and C, smartwatch A may forward the transaction,including the card data elements and the received approval, to aprocessing entity. The processing entity may be one of financialinstitutions 1, 2 or 3. The processing entity may be any other suitableprocessing entity. The processing entity may process the transaction.The processing entity may communicate a transaction-processednotification to smartwatch A. The processing entity may communicate atransaction-processed notification to any other suitable device orentity such as smartwatch 606, smartglasses 612, mobile device 618,financial institution 1, financial institution 2 and/or financialinstitution 3.

Thus, integrated scan money transfer technology systems are provided.Persons skilled in the art will appreciate that the present inventioncan be practiced by other than the described embodiments, which arepresented for purposes of illustration rather than of limitation. Thepresent invention is limited only by the claims that follow.

What is claimed is:
 1. A smartwatch device comprising: a plurality ofhardware components; and a plurality of software components; theplurality of hardware components comprising: a microprocessor, themicroprocessor operable to provide processing capabilities to theplurality of hardware components and the plurality of softwarecomponents; a nano light emitting diode (“LED”) touch screen, the nanoLED touch screen operable to: display a plurality of software displaysas instructed by the microprocessor; and capture user input; a scanner,the scanner operable to capture a plurality of card photographs, saidplurality of card photographs relating to a plurality of payment cards;a nano wireless network interface card; a battery, the battery operableto power the microprocessor, the nano LED touch screen, the scanner andthe nano wireless network interface card; the plurality of softwarecomponents comprising: a card data identification module, the card dataidentification module operable to identify a set of card data elementsfrom each captured card photograph included in the plurality of cardphotographs, each set of card data elements relating to a card includedin the plurality of payment cards; an information controller module, theinformation controller module operable to capture a user-inputtedtransaction amount for each of the plurality of payment cards, via asoftware display displayed on the nano LED touch screen, said softwaredisplay included in the plurality of software displays; a card dataaggregation and validation module, the card data aggregation andvalidation module operable to: for each card included in the pluralityof payment cards, link the transaction amount to the set of card dataelements; for each card included in the plurality of payment cards,transmit the transaction amount to an external card entity associatedwith the card, the external card entity being identified in the set ofcard data elements; for each card included in the plurality of paymentcards, receive an approval signal from the external card entity; uponreceipt of the approval signal from each external card entity, aggregateeach set of card data elements linked to the transaction amount into anaggregated transaction payload; a payee data identification module, thepayee data identification module operable to identify a plurality ofpayee data elements; a wireless controller module, the wirelesscontroller module operable to interface between the nano wirelessnetwork interface card and an external Wi-Fi device to provide wirelessconnectivity to the smartwatch device; and a payment interface, thepayment interface operable to: receive wireless connectivity via thewireless controller module; receive processing capabilities from themicroprocessor; receive the aggregated transaction payload; receive thepayee data elements; append the payee data elements to the aggregatedtransaction payload; transmit the aggregated transaction payload to anexternal entity; and receive a confirmation from the external entity. 2.The smartwatch device of claim 1, wherein, prior to receiving theapproval signal at the card data aggregation and validation module, theexternal card entity requests and receives approval from a deviceidentified within the card data elements.
 3. The smartwatch device ofclaim 2, wherein the device identified within the set card data elementsis a second smartwatch, a mobile device or a smartglasses device.
 4. Thesmartwatch device of claim 1, wherein the payee data identificationmodule is instantiated upon conclusion of the card data aggregation andvalidation module.
 5. A smartwatch device comprising: a plurality ofhardware components; and a plurality of software components; theplurality of hardware components comprising: a microprocessor, themicroprocessor operable to provide processing capabilities to theplurality of hardware components and the plurality of softwarecomponents; a nano light emitting diode (“LED”) touch screen, the nanoLED touch screen operable to: display a plurality of software displaysas instructed by the microprocessor; and receive user input; a scanner,the scanner operable to capture a plurality of card photographs, saidplurality of card photographs relating to a plurality of payment cards;a nano wireless network interface card; a battery, the battery operableto power the microprocessor, the nano LED touch screen, the scanner andthe nano wireless network interface card; the plurality of softwarecomponents comprising: a card data identification module, the card dataidentification module operable to identify a set of card data elementsfrom each captured card photograph included in the plurality of cardphotographs, each set of card data elements relating to a card includedin the plurality of payment cards; an information controller module, theinformation controller module operable to capture a user-inputtedtransaction amount for each of the plurality of payment cards, via asoftware display displayed on the nano LED touch screen, said softwaredisplay included in the plurality of software displays; a card dataaggregation and validation module, the card data aggregation andvalidation module operable to: for each card included in the pluralityof payment cards, link the transaction amount to the set of card dataelements; for each card included in the plurality of payment cards,transmit the set of card data elements to an external card entityassociated with the card, the external card entity being identified inthe set of card data elements; for each card included in the pluralityof payment cards, receive an account number from the external cardentity; upon receipt of the account number from each external cardentity, aggregate each set of card data elements linked to thetransaction amount and the account number into an aggregated transactionpayload; a payee data identification module, the payee dataidentification module operable to identify one or more payee dataelements; a wireless controller module, the wireless controller moduleoperable to interface between the nano wireless network interface cardand an external Wi-Fi device to provide wireless connectivity to thesmartwatch device; a payment interface, the payment interface operableto: receive wireless connectivity via the wireless controller module;receive processing capabilities from the microprocessor; receive theaggregated transaction payload and the one or more payee data elements;transmit the aggregated transaction payload and the one or more payeedata elements to an external entity; and receive a confirmation from theexternal entity.
 6. The smartwatch device of claim 5, wherein, prior toreceiving the account number at the card data aggregation and validationmodule, each external card entity requests and receives approval from adevice identified within the set of card data elements.
 7. Thesmartwatch device of claim 6, wherein each request for approvalcomprises approval of the transaction amount.
 8. The smartwatch deviceof claim 6, wherein the device identified within the set of card dataelements is a second smartwatch, a mobile device or a smartglassesdevice.
 9. The smartwatch device of claim 5, wherein the payee dataidentification module is instantiated upon conclusion of the card dataaggregation and validation module.
 10. The smartwatch device of claim 5,wherein the one or more payee data elements include a payee emailaddress.
 11. The smartwatch device of claim 5, wherein the one or morepayee data elements include a payee telephone number.